Who Has the Cheapest Chula Vista Auto Insurance for a Learners Permit?

For new drivers, one of the largest considerations that determine the amount you pay each year for auto insurance is your address in Chula Vista. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas areas with less congestion get the luxury of paying less.

The information below sorts the most expensive places in California for a learners permit to purchase auto insurance in. Chula Vista comes in at #25 costing $1,298 for the average insured, which is around $108 each month.

Price information shown is comparative as the vehicle garaging location can impact prices considerably.

Trying to find affordable auto insurance is tough enough, and finding out which companies offer the most affordable insurance rates for a learners permit involves a little more work.

Each auto insurer uses their own calculation to set policy rates, so we need to take a look at the lowest cost insurance companies in California. It’s important to understand that California insurance rates are based on many factors which can substantially decrease or increase the price you pay. Improving your credit rating, moving across town, or getting into an accident may prompt premium changes resulting in some companies being more expensive than competitors.

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USAA normally has some of the lowest car insurance rates in Chula Vista at around $1,109 annually. This is $542 less than the average rate paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide also are some of the cheapest Chula Vista, CA car insurance companies.

As shown above, if you currently have a policy with CSAA and switched to Century National, you may realize annual savings of upwards of $20. Policyholders with Nationwide could save as much as $85 a year, and 21st Century insureds might reduce prices by as much as $147 a year.

Bear in mind that those premiums are averages across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location for a learners permit. So the auto insurance company that fits your situation best may not even be in the list above. That point stresses why you need to get rate quotes using your own specific driver and vehicle information.

The type of vehicle requiring coverage is one of the main factors when comparing cheaper car insurance for a learners permit. Vehicles with more horsepower, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The data below showcases coverage rates for a selection of the most affordable vehicles to insure.

Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Chula Vista, CA location which can impact insurance rates considerably.

Based on these rates, models like the Honda Accord, Honda CR-V, Ford Escape, Toyota Prius, and Jeep Wrangler are most likely to be a few of the less-costly vehicles to insure for new drivers. The price of auto insurance will tend to be higher because of the fact that there is more exposure for a learners permit, but in general those vehicles will have the least expensive rates possible.

The information below demonstrates how deductibles can impact insurance rates when getting quotes for cheap insurance for a learners permit. The costs are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

In the chart above, a 50-year-old driver could lower their policy premium by $300 a year by changing from a $100 deductible to a $500 deductible, or save $456 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old example, could reduce their rates $750 each year by choosing larger deductibles on their policy. When raising deductibles, it’s a good idea to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Picking a high-quality car insurance provider can be rather challenging considering how many different insurance companies sell coverage in Chula Vista. The company information shown next may help you select which car insurance providers you want to consider shopping your coverage with. These ratings are only made up of companies that write coverage in many states, so companies without a large exposure are not taken into consideration for these rankings.

Top 10 Large Auto Insurance Providers in Chula Vista Ranked by Claims Service

1. AAA of Southern California
2. State Farm
3. Esurance
4. AAA Insurance
5. Progressive
6. Liberty Mutual
7. GEICO
8. Allstate
9. Titan Insurance
10. The Hartford

Top 10 Large Auto Insurance Providers in Chula Vista Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

How to get discounts on Chula Vista car insurance rates

Auto insurance companies that offer quotes for a learners permit may also provide discounts that could potentially reduce rates by 40% or more if you meet eligibility requirements. The best insurance companies and some of the premium reductions they offer can be found below.

• American Family policyholders can earn discounts including accident-free, air bags, defensive driver, Steer into Savings, bundled insurance, and TimeAway discount.
• State Farm includes discounts for good driver, safe vehicle, good student, driver’s education, and accident-free.
• 21st Century may have discounts that include driver training, automatic seat belts, 55 and older, homeowners, and defensive driver.
• Travelers offers discounts for student away at school, multi-car, driver training, save driver, new car, good student, and home ownership.
• GEICO offers discounts including multi-policy, air bags, five-year accident-free, anti-theft, daytime running lights, anti-lock brakes, and driver training.

The information below compares insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no violations or accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with continuous coverage, good student, anti-theft, vehicle safety, paid-in-full, and paperless filing discounts applied. When taking advantage of discounts, the average savings per year on insurance for a learners permit is 28% or $694.

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Chula Vista, CA insurance rates are calculated based on many things that may substantially change your annual premium. Improving your credit score, filing a claim, or getting a couple of tickets can produce rate changes that can now make some companies cheaper than before. Additionally, insurers file new California auto insurance rates every year or even multiple times each year in order to remain profitable. Significantly higher losses can result in higher prices, while lower claims can cause lower-priced Chula Vista car insurance rates.

The bar chart below shows the cheapest car insurance in Chula Vista, CA for a 35-year-old female driver with a good driving record, no prior claims, and great credit. When quoting prices based on her personal profile, USAA has the best car insurance rates in Chula Vista at $1,160 annually. This is $491 less than the average rate paid by California drivers of $1,651. CSAA, Wawanesa, Century National, and Nationwide are the rest of the best Chula Vista, CA auto insurance companies.

The next chart shows rates after we give the driver from the first rate comparison a chargeable claim, poor credit, and a few traffic violations. Since each insurance company uses their own formula for setting prices, comparing insurance quotes most likely will result in a new list of cheap Chula Vista auto insurance companies as shown below.

Grange now has the best insurance rate in Chula Vista, CA with Allied, Allstate, Mercury, and Progressive also having competitive pricing. This shows why consumers need to shop around with many companies when trying to get affordable auto insurance quotes for a learners permit. Insurance prices can be determined by many risk factors and change dramatically, so the best option when you last compared rates may now be costing you a lot of money.

If you wish to get help from a professional when comparing insurance rates for a learners permit, the agencies below can help you determine which coverage meets your needs best. To find a Chula Vista insurance agency closest to you, click the button at the bottom of the list.

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